Private credit offers accredited investors a disciplined path to wealth preservation through collateralized loans, seniority in the capital stack, and predictable income. This guide explains how private credit works, compares structures, and outlines how a real estate-secured strategy can protect principal while generating steady returns, including how Blue Bay Fund I approaches risk, underwriting, and alignment.

Real estate notes also known as promissory or mortgage notes flip the script. Instead of relying on appreciation, you step into the bank’s position. With the Lender’s Advantage:

• Provide capital.

• Set the terms.

• Collect interest first.

• Secure capital with property.

If a borrower defaults, you hold the first-position right to foreclose and reclaim your investment. This is structured, contractual investing — not speculation.

Discover how accredited investors earn predictable income and preserve capital through Blue Bay Fund I’s conservative, faith-driven private debt strategy, built for legacy-minded accredited wealth builders and their families’ generational wealth.

This mindset, to 'embrace the suck,' meaning don't try to avoid being uncomfortable; don't try to escape the pain, whether it's physical, mental, spiritual, or whatever it may be. Don't try to get away from it. Literally, embrace it, make it part of who you are, and in that embracing the suck, if you will, you begin to learn how to control that chaos and make it work for you.

Real estate notes also known as promissory or mortgage notes flip the script. Instead of relying on appreciation, you step into the bank’s position. With the Lender’s Advantage:

• Provide capital.

• Set the terms.

• Collect interest first.

• Secure capital with property.

If a borrower defaults, you hold the first-position right to foreclose and reclaim your investment. This is structured, contractual investing — not speculation.

Preserve your wealth, earn steady returns, and protect your legacy with our Capital Preservation Fund — a real estate–secured private debt strategy designed for accredited investors seeking stability and generational security.

The definition of a note is quite simple. A note is a physical representation of your capital (the lenders) given to you by the borrower. The note tells all parties involved how much you are lending, what is the rate of return, when you should expect that note to be repaid, and the payment structure of the note. This is just like REAL money because it’s a legally binding document, enforceable in court that is a representation of the exact amount of money you loaned. Keep it secret, keep it safe.

Tired of being shut out of the most rewarding investment opportunities? Accessing alternative investments for non-accredited investors is hard. In fact, less than 10% of private real estate deals are accessible to non-accredited investors. Access—not intelligence or capability—is the key differentiator. Smart investors start where they are and build relationships over time.

As a conservative, accredited investor, you're tired of market swings, Wall Street jargon, and hidden fees. You want clarity. You want control. And above all, you want cash flow backed by real assets. That’s where mortgage note investing comes in.Through Blue Bay Fund I, you can invest in mortgage loans based on bank statements and other secured structures—offering transparency, risk mitigation, and steady income. This is not speculation. This is investing in notes and mortgages with integrity and vision.